Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,971Cash toward the purchase price.
Closing costs + prepaids$15,464Not just lender fees.
Before credits & paid funds$124,435The complete starting cash picture.
Estimated remaining funds due at closing
$124,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,971.33
Your down payment$108,971.33
Closing costs + prepaids$15,463.98
Total buyer cash needed$124,435.32
Remaining funds due$124,435.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,830.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,640.25
Prepaid interest, first (26 days)$1,775.59
Fees + prepaids$15,463.98
Your down payment is the seller’s equity. You take over the $366,029 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $124,435.32 is due at closing. Uses and sources reconcile at $490,463.98 each. Not a Closing Disclosure.